Uber Passenger Injuries
Nobody uses an Uber expecting to be involved in a car crash. However, this is a real possibility, especially in traffic-heavy cities like Houston. Unfortunately, collecting compensation from insurers after an Uber accident can be even more difficult than in a standard car crash, and it is almost always advisable to have legal representation. If you were injured while using an Uber, please contact a member of our car accident legal team for help filing your claim.
State Capitol in Texas Enacts New Insurance Law for Uber and Lyft
Last year, a special provision applying only to insurance claims for Uber and Lyft went into effect in Texas. The law, which applies to the insurance policies of those who own, lease, or are authorized to use vehicles to provide rideshare services in the state, requires the purchase of liability insurance. For example, according to the terms of the law, drivers who are not carrying a passenger must have minimum liability insurance coverage of $50,000 per person injured in a crash, up to $100,000 per accident, and $25,000 for property damage claims per accident. However, when the driver is transporting a passenger, he or she must have minimum liability insurance of $1 million per accident. In the event that a driver does not meet these minimum requirements or has failed to renew coverage, the company itself will need to provide the $1 million coverage for the accident.
What Does This New Law Mean if You Were Injured as a Passenger in an Uber or Lyft?
Under the terms of the new law, injured passengers who were traveling in an Uber or Lyft at the time of an accident have a much better chance of having all of their medical expenses paid for. This is because most Texas drivers are only required to carry liability insurance coverage of $30,000 per person, $60,000 per accident, and $25,000 for property damage. This is often not enough to cover the cost of medical bills and lost wages and an injured party may need to file a claim with his or her own insurance or pay out of pocket in order to cover all related bills. A $1 million policy, on the other hand, ensures that most injured parties will be able to have serious injuries treated, while also obtaining coverage of future medical expenses. The new law also ensures that in the event that the at-fault party was not insured, the victim will still have access to damages. In most car accident cases, victims have few options to sue an insurance company if the driver was not insured.
What to do After an Uber Car Accident
Being involved in a car crash is frightening and potentially painful, however it is still important for those who are involved in car accidents to take the following steps, if possible:
- Call the police;
- Request an ambulance or go to the hospital;
- Gather insurance information, as well as the name, license number, and license plate of the other driver;
- Take pictures of the damage; and
- Collect information from other drivers and witnesses who were involved in the crash.
Once these steps are taken, injured parties should consider contacting an attorney who can deal with insurance companies on their behalf. In many cases, three or more insurers may be involved in settlement proceedings, so having an attorney who can represent an injured party’s interests can make all the difference in the outcome of a case.
Call Our Legal Team Today
Please contact Michael P. Fleming & Associates, P.C. at 713-221-6800 to discuss your own accident details with an experienced car accident lawyer free of charge.